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Question about account IIB

makingitright
Established Member

Question about account IIB

Hope everybody is having a great day! 

 

I have an issue that just came up. I had an old AT&T Wireless account that I included in my BK that was discharged back in May that was charged off to Enhanced Recovery Collection company for around $1658.  The collection account was removed from my Credit Reports and I thought everything was okay.... until today. 

 

In the mail I got a bill from AT&T for the old wireless out for the $1,658. (mind you this account was from 2014). I am wondering what I should do exactly. From my point of view it looks like the collection company sent it back to AT&T. Before filing I confirmed with AT&T to see if they had the debit or a collection company and they confirmed it was with ERC. 

 

Should I mail a letter to AT&T's BK department giving my CH 7 Case # along with a copy of my Schedule? 

 

Customer care is helpless at this point.

 

Thanks for your help! Smiley Happy 

Scores on the day of BK file: 02/08/2017: EFX: 490, TU: 562, EX: 526


Scores on the day of 341 Meeting: 03/09/2017: EFX: 508, TU: 504, EX: 449

Scores on the day of discharge w/ everything reporting 0 IIB: EFX: 532, TU: 508, EX: 479

As of: August 28th, 2017: (7 months since date of filing): EFX: 574, TU: 567, EX: 550

CREDIT CARDS:
Discover IT Secured: $200 Limit
Reflex Mastercard: $500 Limit


Loans: $21k Car Loan 2017 Hyundai Tuscon @ 12% - First Investors
Message 1 of 7
6 REPLIES 6
SteelerNYC
Valued Contributor

Re: Question about account IIB

Respond with a letter and a copy of your discharge paper and that should be the end of it Smiley Happy

Ch 7 Discharge May 2015
Discover/Target/NFCU CLOC/NFCU More Rewards Amex/NFCU Platinum/PenFed Power Cash Rewards/PenFed Pathfinder Visa/Citi Costco Visa/CapitalOne SavorOne/Apple Card - $139,100 total revolving, 21% utilization
3.25% mortgage July 2020, $20k used Auto Loan October 2020, $20k PenFed Personal Loan Dec 2020
687/683/673 EX/EQ/TU w/ 5/6/6 INQs as of Jan 2021
Spending 2021 in the Garden
Message 2 of 7
makingitright
Established Member

Re: Question about account IIB


@SteelerNYC wrote:

Respond with a letter and a copy of your discharge paper and that should be the end of it Smiley Happy


Thanks for the quick reply! Am I going to have a problem that its listed with Enhanced Recovery on the schedule / discharge paperwork?  Do I just sent this to AT&T's Bankruptcy's department? 

Scores on the day of BK file: 02/08/2017: EFX: 490, TU: 562, EX: 526


Scores on the day of 341 Meeting: 03/09/2017: EFX: 508, TU: 504, EX: 449

Scores on the day of discharge w/ everything reporting 0 IIB: EFX: 532, TU: 508, EX: 479

As of: August 28th, 2017: (7 months since date of filing): EFX: 574, TU: 567, EX: 550

CREDIT CARDS:
Discover IT Secured: $200 Limit
Reflex Mastercard: $500 Limit


Loans: $21k Car Loan 2017 Hyundai Tuscon @ 12% - First Investors
Message 3 of 7
SteelerNYC
Valued Contributor

Re: Question about account IIB


@makingitright wrote:

@SteelerNYC wrote:

Respond with a letter and a copy of your discharge paper and that should be the end of it Smiley Happy


Thanks for the quick reply! Am I going to have a problem that its listed with Enhanced Recovery on the schedule / discharge paperwork?  Do I just sent this to AT&T's Bankruptcy's department? 


I'd respond to AT&T via the address listed on the bill that you received.

 

I don't expect that you'll have an issue with it not being on the schedule. You're supposed to list every debt you can think of when filing, but a discharged BK should cover any and all debt incurred before filing.

 

I had zombie medical debt that I didn't know about/didn't include that surfaced about a year after my discharge. Sent a short note and a copy of my discharge and that was that.

 

Good luck!

Ch 7 Discharge May 2015
Discover/Target/NFCU CLOC/NFCU More Rewards Amex/NFCU Platinum/PenFed Power Cash Rewards/PenFed Pathfinder Visa/Citi Costco Visa/CapitalOne SavorOne/Apple Card - $139,100 total revolving, 21% utilization
3.25% mortgage July 2020, $20k used Auto Loan October 2020, $20k PenFed Personal Loan Dec 2020
687/683/673 EX/EQ/TU w/ 5/6/6 INQs as of Jan 2021
Spending 2021 in the Garden
Message 4 of 7
Scupra
Super Contributor

Re: Question about account IIB

I know you said customer care is worthless but have you tried to call? I would imagine AT&T has a BK department of some sort that handles things like this. I just prefer the instant gratification of calling haha!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
759 EQ FICO 03/2021
754 TU FICO 03/2021
743 EX FICO 03/2021
$29k NFCU Platinum | $30k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
Message 5 of 7
makingitright
Established Member

Re: Question about account IIB


@Scupra wrote:

I know you said customer care is worthless but have you tried to call? I would imagine AT&T has a BK department of some sort that handles things like this. I just prefer the instant gratification of calling haha!


So great news all! 

 

Maybe I jumped into conclusions wiritng this lol.... but I was finally able to phyiscally speak to AT&T's BK Department and spoke to the nicest lady who explained everything to me. 

 

She explained that since my account was discharged they took the account back from the collection agency for the write off reasons. She explained I should never have received their email about the bill being due as it was just placed back in the system to "Zero" out on their end. 

 

All is fine. I don't owe the debt and she even confirmed my BK case # that they had on file which put me at ease. Smiley Happy 

 

Thanks for everybody's support!

 

Have a great rest of your week! 

Scores on the day of BK file: 02/08/2017: EFX: 490, TU: 562, EX: 526


Scores on the day of 341 Meeting: 03/09/2017: EFX: 508, TU: 504, EX: 449

Scores on the day of discharge w/ everything reporting 0 IIB: EFX: 532, TU: 508, EX: 479

As of: August 28th, 2017: (7 months since date of filing): EFX: 574, TU: 567, EX: 550

CREDIT CARDS:
Discover IT Secured: $200 Limit
Reflex Mastercard: $500 Limit


Loans: $21k Car Loan 2017 Hyundai Tuscon @ 12% - First Investors
Message 6 of 7
Scupra
Super Contributor

Re: Question about account IIB

Glad it worked itself out quickly for you Smiley Happy

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
759 EQ FICO 03/2021
754 TU FICO 03/2021
743 EX FICO 03/2021
$29k NFCU Platinum | $30k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
Message 7 of 7
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